{"id":3432,"date":"2026-09-07T09:36:04","date_gmt":"2026-09-07T07:36:04","guid":{"rendered":"https:\/\/www.dobry-uctovnik.sk\/?p=3432"},"modified":"2026-09-14T13:53:48","modified_gmt":"2026-09-14T11:53:48","slug":"limit-hotovostnych-platieb-v-eu-od-10-7-2027","status":"publish","type":"post","link":"https:\/\/www.dobry-uctovnik.sk\/en\/limit-hotovostnych-platieb-v-eu-od-10-7-2027\/","title":{"rendered":"Limit hotovostn\u00fdch platieb v E\u00da od 10.7.2027"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3432\" class=\"elementor elementor-3432\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-234718d8 e-flex e-con-boxed e-con e-parent\" data-id=\"234718d8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2d66299b e-flex e-con-boxed e-con e-child\" data-id=\"2d66299b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7fb50b9 elementor-widget elementor-widget-jkit_post_terms\" data-id=\"7fb50b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_post_terms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-post-terms jeg_module___6ab239b8df718\" ><span class=\"post-terms\"><span class=\"term-list \">\u00da\u010dtovn\u00edctvo a dane<\/span><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a7f431c elementor-widget__width-inherit elementor-widget elementor-widget-jkit_post_title\" data-id=\"1a7f431c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_post_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-post-title jeg_module__1_6ab239b8e1794\" ><h1 class=\"post-title style-color \">Limit hotovostn\u00fdch platieb v E\u00da od 10.7.2027<\/h1><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e087a0b e-flex e-con-boxed e-con e-parent\" data-id=\"4e087a0b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-75c9b4c2 e-con-full e-flex e-con e-child\" data-id=\"75c9b4c2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a8025f7 e-flex e-con-boxed e-con e-child\" data-id=\"a8025f7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a28c269 elementor-widget elementor-widget-jkit_post_featured_image\" data-id=\"a28c269\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_post_featured_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-post-featured-image jeg_module__2_6ab239b8e296a\" ><div class=\"post-featured-image \"><img fetchpriority=\"high\" decoding=\"async\" width=\"2560\" height=\"1881\" src=\"https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/09\/hdr-european-central-bank-frankfurt-scaled.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"\" srcset=\"https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/09\/hdr-european-central-bank-frankfurt-scaled.jpg 2560w, https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/09\/hdr-european-central-bank-frankfurt-300x220.jpg 300w, https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/09\/hdr-european-central-bank-frankfurt-1024x752.jpg 1024w, https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/09\/hdr-european-central-bank-frankfurt-768x564.jpg 768w, https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/09\/hdr-european-central-bank-frankfurt-1536x1128.jpg 1536w, https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/09\/hdr-european-central-bank-frankfurt-2048x1505.jpg 2048w, https:\/\/www.dobry-uctovnik.sk\/wp-content\/uploads\/2026\/09\/hdr-european-central-bank-frankfurt-16x12.jpg 16w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-45a96f8e e-flex e-con-boxed e-con e-child\" data-id=\"45a96f8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6401bd4 e-con-full e-flex e-con e-child\" data-id=\"6401bd4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-524f555 elementor-widget elementor-widget-heading\" data-id=\"524f555\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Autor<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-169174b8 elementor-widget-tablet__width-auto elementor-widget elementor-widget-jkit_post_author\" data-id=\"169174b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_post_author.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-post-author jeg_module__3_6ab239b8e3d3d\" ><p class=\"post-author \">Dobryuctovnik<\/p><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-743255a4 e-con-full e-flex e-con e-child\" data-id=\"743255a4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29d08e17 elementor-widget elementor-widget-heading\" data-id=\"29d08e17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Publikovan\u00e9<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d15bb7c elementor-widget__width-auto elementor-widget elementor-widget-jkit_post_date\" data-id=\"3d15bb7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_post_date.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-post-date jeg_module__4_6ab239b8e4ea3\" ><p class=\"post-date \">7. September 2026<\/p><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e94d66d e-con-full e-flex e-con e-child\" data-id=\"5e94d66d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6cb28ac5 elementor-widget elementor-widget-heading\" data-id=\"6cb28ac5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Zdie\u013eajte \u010dl\u00e1nok<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69f637cc jkit-social-shape shape-none elementor-widget elementor-widget-jkit_social_share\" data-id=\"69f637cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_social_share.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-social-share jeg_module__5_6ab239b8e6dfd\" ><ul class=\"social-share-list\"><li class=\"elementor-repeater-item-1c57925\" data-social=\"facebook\">\n\t\t\t\t<a href=\"#\" class=\"facebook social-icon\" aria-label=\"social-share\"><i aria-hidden=\"true\" class=\"jki jki-facebook-light\"><\/i><\/a>\n\t\t\t<\/li><li class=\"elementor-repeater-item-5b7460c\" data-social=\"twitter\">\n\t\t\t\t<a href=\"#\" class=\"twitter social-icon\" aria-label=\"social-share\"><i aria-hidden=\"true\" class=\"jki jki-twitter-light\"><\/i><\/a>\n\t\t\t<\/li><li class=\"elementor-repeater-item-3dfe5c2\" data-social=\"whatsapp\">\n\t\t\t\t<a href=\"#\" class=\"whatsapp social-icon\" aria-label=\"social-share\"><i aria-hidden=\"true\" class=\"jki jki-whatsapp-1-light\"><\/i><\/a>\n\t\t\t<\/li><li class=\"elementor-repeater-item-724ad86\" data-social=\"linkedin\">\n\t\t\t\t<a href=\"#\" class=\"linkedin social-icon\" aria-label=\"social-share\"><i aria-hidden=\"true\" class=\"jki jki-linkedin-light\"><\/i><\/a>\n\t\t\t<\/li><\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6abf0aff e-con-full e-flex e-con e-child\" data-id=\"6abf0aff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1bfa4f5 elementor-widget elementor-widget-jkit_heading\" data-id=\"1bfa4f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__6_6ab239b8ea0d2\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\"><\/h2><\/div><div class=\"heading-section-description\"><p>Eur\u00f3pska \u00fania zav\u00e1dza jednotn\u00fd limit pre hotovostn\u00e9 platby. Od <strong>10. j\u00fala 2027<\/strong> nebude mo\u017en\u00e9 pri obchodn\u00fdch transakci\u00e1ch prija\u0165 ani uskuto\u010dni\u0165 hotovostn\u00fa platbu nad <strong>10 000 eur<\/strong>. Pre slovensk\u00fdch podnikate\u013eov sa pri obchodovan\u00ed na \u00fazem\u00ed Slovenska ni\u010d nemen\u00ed \u2013 n\u00e1\u0161 vn\u00fatro\u0161t\u00e1tny limit je pr\u00edsnej\u0161\u00ed. Eur\u00f3pska hranica v\u0161ak bude relevantn\u00e1 pri zahrani\u010dnom obchode. Nariadenie z\u00e1rove\u0148 zav\u00e1dza nov\u00fa hranicu <strong>3 000 eur<\/strong>, od ktorej vznikaj\u00fa povinnosti s\u00favisiace s identifik\u00e1ciou klienta.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-211e2b8 elementor-widget elementor-widget-jkit_heading\" data-id=\"211e2b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__7_6ab239b8eb299\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">\u010co upravuje nariadenie AMLR<\/h2><\/div><div class=\"heading-section-description\"><p dir=\"ltr\">Nariadenie Eur\u00f3pskeho parlamentu a Rady (E\u00da) <strong>2024\/1624<\/strong> z 31. m\u00e1ja 2024 o predch\u00e1dzan\u00ed vyu\u017e\u00edvaniu finan\u010dn\u00e9ho syst\u00e9mu na \u00fa\u010dely prania \u0161pinav\u00fdch pe\u0148az\u00ed alebo financovania terorizmu (skr\u00e1tene <strong>AMLR<\/strong>) stanovuje pravidl\u00e1 t\u00fdkaj\u00face sa:<\/p><ul dir=\"ltr\"><li><strong>opatren\u00ed pre povinn\u00e9 subjekty<\/strong> s cie\u013eom predch\u00e1dza\u0165 praniu \u0161pinav\u00fdch pe\u0148az\u00ed a financovaniu terorizmu,<\/li><li><strong>po\u017eiadaviek na transparentnos\u0165 skuto\u010dn\u00e9ho vlastn\u00edctva<\/strong> pre pr\u00e1vne subjekty, \u00fa\u010delovo zriaden\u00e9 trusty a podobne,<\/li><li><strong>opatren\u00ed na obmedzenie zneu\u017e\u00edvania anonymn\u00fdch n\u00e1strojov<\/strong>.<\/li><\/ul><p dir=\"ltr\">Z h\u013eadiska hotovostn\u00fdch platieb je k\u013e\u00fa\u010dov\u00fd <strong>\u010dl\u00e1nok 80<\/strong>, ktor\u00fd upravuje obmedzenia ve\u013ek\u00fdch hotovostn\u00fdch platieb pri v\u00fdmene za tovar a slu\u017eby.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac33ab1 e-con-full e-flex e-con e-child\" data-id=\"ac33ab1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-634495c e-con-full e-flex e-con e-child\" data-id=\"634495c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-91ce21a e-flex e-con-boxed e-con e-child\" data-id=\"91ce21a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-764abba elementor-widget elementor-widget-heading\" data-id=\"764abba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Potrebujete zalo\u017ei\u0165 s.r.o.?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-912d055 elementor-widget elementor-widget-heading\" data-id=\"912d055\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Postar\u00e1me sa o cel\u00fd proces zalo\u017eenia s.r.o. vr\u00e1tane \u00favodnej konzult\u00e1cie.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac7ba32 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-jkit_button\" data-id=\"ac7ba32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-button  icon-position-after jeg_module__8_6ab239b8ed2a7\" ><a href=\"https:\/\/www.dobry-uctovnik.sk\/zalozenie-sro\/\" class=\"jkit-button-wrapper\">M\u00e1m z\u00e1ujem o zalo\u017eenie s.r.o.<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8cfb8d elementor-widget elementor-widget-jkit_heading\" data-id=\"e8cfb8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__9_6ab239b8ee262\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Limit 10 000 eur od 10. j\u00fala 2027<\/h2><\/div><div class=\"heading-section-description\"><p dir=\"ltr\">Osoby obchoduj\u00face s tovarom alebo slu\u017ebami bud\u00fa m\u00f4c\u0165 s \u00fa\u010dinnos\u0165ou od 10.7.2027 prija\u0165 alebo uskuto\u010dni\u0165 hotovostn\u00fa platbu <strong>najviac do 10 000 eur<\/strong> alebo v zodpovedaj\u00facej v\u00fd\u0161ke v n\u00e1rodnej \u010di cudzej mene.<\/p><p dir=\"ltr\">Limit sa nevz\u0165ahuje len na jednu platbu. Nariadenie v\u00fdslovne pokr\u00fdva aj situ\u00e1cie, ke\u010f je <strong>transakcia rozdelen\u00e1 na viacero platieb, ktor\u00e9 spolu zjavne s\u00favisia<\/strong>. Rozdelen\u00edm jednej obchodnej transakcie na nieko\u013eko men\u0161\u00edch hotovostn\u00fdch platieb sa teda limitu vyhn\u00fa\u0165 ned\u00e1.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6ac77d elementor-widget elementor-widget-jkit_heading\" data-id=\"b6ac77d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__10_6ab239b8ef2cf\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Koho sa obmedzenie t\u00fdka<\/h2><\/div><div class=\"heading-section-description\"><p dir=\"ltr\">Limit plat\u00ed pri transakci\u00e1ch, ktor\u00fdch je \u00fa\u010dastn\u00fd podnikate\u013e \u2013 teda vo vz\u0165ahoch:<\/p><ul dir=\"ltr\"><li><strong>B2B<\/strong> \u2013 medzi firmami,<\/li><li><strong>B2C<\/strong> \u2013 medzi podnikate\u013eom a fyzickou osobou,<\/li><li><strong>B2G<\/strong> \u2013 medzi firmou a \u0161t\u00e1tom.<\/li><\/ul><h3 dir=\"ltr\">V\u00fdnimky<\/h3><p dir=\"ltr\"><strong>Platby medzi fyzick\u00fdmi osobami<\/strong>, ktor\u00e9 nekonaj\u00fa v r\u00e1mci svojej profesion\u00e1lnej \u010dinnosti, limitu pod\u013ea \u010dl\u00e1nku 80 <strong>nepodliehaj\u00fa<\/strong>.<\/p><p dir=\"ltr\">V\u00fdnimka plat\u00ed aj pre <strong>platby a vklady uskuto\u010dnen\u00e9 v priestoroch \u00faverov\u00fdch in\u0161tit\u00faci\u00ed<\/strong>, in\u0161tit\u00faci\u00ed elektronick\u00fdch pe\u0148az\u00ed a poskytovate\u013eov platobn\u00fdch slu\u017eieb. Pri tak\u00fdchto oper\u00e1ci\u00e1ch nad stanoven\u00fd limit v\u0161ak vznik\u00e1 <strong>oznamovacia povinnos\u0165 vo\u010di finan\u010dnej spravodajskej jednotke (FIU)<\/strong>.<\/p><h3 dir=\"ltr\">Pr\u00edklady z praxe<\/h3><div dir=\"ltr\"><table><thead><tr><th scope=\"col\">Situ\u00e1cia<\/th><th scope=\"col\">Uplatnenie limitu<\/th><\/tr><\/thead><tbody><tr><td>Fyzick\u00e1 osoba plat\u00ed podnikate\u013eovi za tovar<\/td><td><strong>\u00e1no<\/strong><\/td><\/tr><tr><td>Podnikate\u013e nakupuje tovar od in\u00e9ho podnikate\u013ea<\/td><td><strong>\u00e1no<\/strong><\/td><\/tr><tr><td>Fyzick\u00e1 osoba d\u00e1 15 000 \u20ac inej fyzickej osobe<\/td><td>nie<\/td><\/tr><tr><td>Fyzick\u00e1 osoba vlo\u017e\u00ed 15 000 \u20ac na svoj \u00fa\u010det<\/td><td>nie<\/td><\/tr><\/tbody><\/table><\/div><p dir=\"ltr\"><em>Zdroj: Vlastn\u00e9 spracovanie<\/em><\/p><p dir=\"ltr\">Pri hotovostnom vklade na vlastn\u00fd \u00fa\u010det sa nejde o platbu za tovar alebo slu\u017ebu, tak\u017ee limit 10 000 eur sa na\u0148 nevz\u0165ahuje. Neznamen\u00e1 to v\u0161ak, \u017ee banka tak\u00fdto vklad prijme bez \u010fal\u0161ej kontroly \u2013 oper\u00e1ciu mus\u00ed <strong>ozn\u00e1mi\u0165 finan\u010dnej spravodajskej jednotke<\/strong>.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0caa8b elementor-widget elementor-widget-jkit_heading\" data-id=\"c0caa8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__11_6ab239b8f0b26\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">\u010clensk\u00e9 \u0161t\u00e1ty si m\u00f4\u017eu stanovi\u0165 ni\u017e\u0161\u00ed limit<\/h2><\/div><div class=\"heading-section-description\"><p dir=\"ltr\">Suma 10 000 eur predstavuje <strong>horn\u00fa hranicu na \u00farovni E\u00da<\/strong>. Jednotliv\u00e9 \u010dlensk\u00e9 \u0161t\u00e1ty m\u00f4\u017eu po konzult\u00e1cii s Eur\u00f3pskou centr\u00e1lnou bankou zavies\u0165 limit ni\u017e\u0161\u00ed. Ten musia ozn\u00e1mi\u0165 Komisii najnesk\u00f4r <strong>do troch mesiacov<\/strong> od zavedenia opatrenia na vn\u00fatro\u0161t\u00e1tnej \u00farovni.<\/p><p dir=\"ltr\">Ak v niektorej krajine u\u017e plat\u00ed vn\u00fatro\u0161t\u00e1tny limit ni\u017e\u0161\u00ed ako 10 000 eur, pod\u013ea pravidiel AMLR <strong>m\u00f4\u017ee zosta\u0165 zachovan\u00fd<\/strong>.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f30a5a elementor-widget elementor-widget-jkit_heading\" data-id=\"6f30a5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__12_6ab239b8f1b39\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Situ\u00e1cia na Slovensku<\/h2><\/div><div class=\"heading-section-description\"><p dir=\"ltr\">Slovensko m\u00e1 od 1.1.2026 zaveden\u00e9 vlastn\u00e9 obmedzenie hotovostn\u00fdch platieb, ktor\u00e9 je pr\u00edsnej\u0161ie ako eur\u00f3pske:<\/p><div dir=\"ltr\"><table><thead><tr><th scope=\"col\">Typ vz\u0165ahu<\/th><th scope=\"col\">Limit<\/th><\/tr><\/thead><tbody><tr><td>B2B, B2C, B2G (vystupuje podnikate\u013e)<\/td><td><strong>5 000 \u20ac<\/strong><\/td><\/tr><tr><td>Medzi fyzick\u00fdmi osobami \u2013 nepodnikate\u013emi<\/td><td><strong>15 000 \u20ac<\/strong><\/td><\/tr><\/tbody><\/table><\/div><p dir=\"ltr\"><em>Zdroj: Vlastn\u00e9 spracovanie<\/em><\/p><p dir=\"ltr\">Od roku 2026 u\u017e neplat\u00ed ani v\u00fdnimka, ktor\u00e1 zneplat\u0148ovala limity po\u010das mimoriadnej situ\u00e1cie.<\/p><p dir=\"ltr\"><strong>Pre slovensk\u00fdch podnikate\u013eov sa pri obchodovan\u00ed na \u00fazem\u00ed Slovenska ni\u010d nemen\u00ed.<\/strong> Aj po 10.7.2027 bud\u00fa m\u00f4c\u0165 v hotovosti zaplati\u0165 maxim\u00e1lne 5 000 eur. Eur\u00f3psky limit 10 000 eur bude relevantn\u00fd pri transakci\u00e1ch prebiehaj\u00facich v in\u00fdch \u0161t\u00e1toch, teda napr\u00edklad pri zahrani\u010dnom obchode.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0528e0 elementor-widget elementor-widget-jkit_heading\" data-id=\"d0528e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__13_6ab239b8f2f12\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Limity v \u010fal\u0161\u00edch krajin\u00e1ch E\u00da<\/h2><\/div><div class=\"heading-section-description\"><p dir=\"ltr\">Pr\u00edsnej\u0161ie limity ako eur\u00f3psky maj\u00fa aj \u010fal\u0161ie \u010dlensk\u00e9 \u0161t\u00e1ty:<\/p><div dir=\"ltr\"><table><thead><tr><th scope=\"col\">Krajina<\/th><th scope=\"col\">Limit hotovostnej platby<\/th><\/tr><\/thead><tbody><tr><td>Franc\u00fazsko<\/td><td><strong>1 000 \u20ac<\/strong><\/td><\/tr><tr><td>\u0160panielsko<\/td><td><strong>1 000 \u20ac<\/strong><\/td><\/tr><tr><td>Holandsko<\/td><td><strong>3 000 \u20ac<\/strong><\/td><\/tr><tr><td>Po\u013esko<\/td><td><strong>15 000 PLN<\/strong> (asi 3 500 \u20ac)<\/td><\/tr><tr><td>Ma\u010farsko<\/td><td><strong>1,5 mil. HUF mesa\u010dne<\/strong> (asi 4 000 \u20ac)<\/td><\/tr><tr><td>Slovensko<\/td><td><strong>5 000 \u20ac<\/strong><\/td><\/tr><tr><td>Taliansko<\/td><td><strong>5 000 \u20ac<\/strong><\/td><\/tr><\/tbody><\/table><\/div><p dir=\"ltr\"><em>Zdroj: Vlastn\u00e9 spracovanie na z\u00e1klade evz.de<\/em><\/p><p dir=\"ltr\">Pri jednotliv\u00fdch krajin\u00e1ch platia osobitn\u00e9 podmienky:<\/p><ul dir=\"ltr\"><li><strong>Franc\u00fazsko<\/strong> \u2013 limit sa vz\u0165ahuje na obchodn\u00e9 transakcie; pre zahrani\u010dn\u00e9ho spotrebite\u013ea plat\u00ed za ur\u010dit\u00fdch podmienok limit 15 000 eur,<\/li><li><strong>\u0160panielsko<\/strong> \u2013 limit plat\u00ed, ak je jednou zo str\u00e1n podnikate\u013e; pre fyzick\u00fa osobu, ktor\u00e1 nie je da\u0148ov\u00fdm rezidentom v \u0160panielsku, je limit 10 000 eur,<\/li><li><strong>Holandsko<\/strong> \u2013 limit plat\u00ed od 1.1.2026 a t\u00fdka sa obchodn\u00edkov s tovarom, obchodn\u00edkov s umen\u00edm a prev\u00e1dzkovate\u013eov z\u00e1lo\u017ene,<\/li><li><strong>Po\u013esko<\/strong> \u2013 limit sa t\u00fdka platieb medzi podnikate\u013emi, pri transakci\u00e1ch medzi fyzick\u00fdmi osobami sa neuplat\u0148uje,<\/li><li><strong>Ma\u010farsko<\/strong> \u2013 limit plat\u00ed pre B2B vz\u0165ahy; pri B2C s\u00fa stanoven\u00e9 osobitn\u00e9 hranice pre overenie klienta,<\/li><li><strong>Taliansko<\/strong> \u2013 nad uveden\u00fa hranicu mus\u00ed \u00eds\u0165 o bezhotovostn\u00fa platbu.<\/li><\/ul><p dir=\"ltr\">Naopak, niektor\u00fdm krajin\u00e1m nariadenie limity spr\u00edsni. V <strong>\u010cesku<\/strong> plat\u00ed limit 270 000 CZK (pribli\u017ene 11 000 eur) a v <strong>Nemecku a Rak\u00fasku<\/strong> v roku 2026 neplatia limity \u017eiadne \u2013 to sa od 10.7.2027 zmen\u00ed.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf57d23 elementor-widget elementor-widget-jkit_heading\" data-id=\"bf57d23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__14_6ab239b9008bf\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Nov\u00e1 hranica 3 000 eur: povinnosti pri identifik\u00e1cii klienta<\/h2><\/div><div class=\"heading-section-description\"><p dir=\"ltr\">Nariadenie stanovuje aj druh\u00fa hranicu, ktor\u00e1 sa t\u00fdka <strong>povinn\u00fdch subjektov<\/strong> pod\u013ea pravidiel proti praniu \u0161pinav\u00fdch pe\u0148az\u00ed. Pri pr\u00edle\u017eitostnej hotovostnej transakcii v hodnote <strong>najmenej 3 000 eur<\/strong> bud\u00fa musie\u0165 povinn\u00e9 subjekty uplatni\u0165 <strong>minim\u00e1lne opatrenia starostlivosti vo\u010di klientovi<\/strong> \u2013 napr\u00edklad identifik\u00e1ciu klienta a overenie jeho toto\u017enosti.<\/p><p dir=\"ltr\">Hranica sa posudzuje pri jednej transakcii aj pri viacer\u00fdch prepojen\u00fdch transakci\u00e1ch.<\/p><p dir=\"ltr\"><strong>Nejde o \u010fal\u0161\u00ed limit, od ktor\u00e9ho by bola hotovostn\u00e1 platba zak\u00e1zan\u00e1.<\/strong> Ide o hranicu, od ktorej vznikaj\u00fa povinnosti s\u00favisiace s identifik\u00e1ciou klienta.<\/p><p dir=\"ltr\">Ke\u010f\u017ee na Slovensku je z\u00e1kaz hotovostn\u00fdch platieb nastaven\u00fd na 5 000 eur, respekt\u00edve 15 000 eur, dotkne sa t\u00e1to novinka aj podnikate\u013eov, ktor\u00ed patria medzi povinn\u00e9 subjekty pod\u013ea AMLR \u2013 napr\u00edklad \u00faverov\u00fdch in\u0161tit\u00faci\u00ed a b\u00e1nk, ale aj not\u00e1rov \u010di da\u0148ov\u00fdch poradcov.<\/p><p dir=\"ltr\">V praxi tak m\u00f4\u017ee nasta\u0165 situ\u00e1cia, ke\u010f hotovostn\u00fa platbu vo v\u00fd\u0161ke napr\u00edklad 3 500 eur povinn\u00fd subjekt <strong>e\u0161te m\u00f4\u017ee prija\u0165<\/strong>, z\u00e1rove\u0148 v\u0161ak <strong>mus\u00ed klienta identifikova\u0165<\/strong> a overi\u0165 jeho toto\u017enos\u0165.<\/p><p dir=\"ltr\">Je preto potrebn\u00e9 rozli\u0161ova\u0165 medzi:<\/p><ul dir=\"ltr\"><li><strong>limitom<\/strong>, do ktor\u00e9ho je hotovostn\u00e1 platba e\u0161te povolen\u00e1,<\/li><li><strong>hranicou<\/strong>, od ktorej vznikaj\u00fa AML povinnosti.<\/li><\/ul><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccb8af0 elementor-widget elementor-widget-jkit_heading\" data-id=\"ccb8af0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__15_6ab239b901c02\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Sankcie za poru\u0161enie limitu<\/h2><\/div><div class=\"heading-section-description\"><p dir=\"ltr\">Pod\u013ea odseku 5 \u010dl\u00e1nku 80 nariadenia AMLR musia \u010dlensk\u00e9 \u0161t\u00e1ty zabezpe\u010di\u0165 prijatie primeran\u00fdch opatren\u00ed vr\u00e1tane sankci\u00ed vo\u010di fyzick\u00fdm a pr\u00e1vnick\u00fdm osob\u00e1m, ktor\u00e9 pri svojej profesion\u00e1lnej \u010dinnosti poru\u0161ia limit hotovostn\u00fdch platieb. V\u00fd\u0161ka sankci\u00ed m\u00e1 zodpoveda\u0165 z\u00e1va\u017enosti poru\u0161enia a odr\u00e1dza\u0165 od \u010fal\u0161ieho poru\u0161ovania.<\/p><p dir=\"ltr\">Konkr\u00e9tna podoba sankci\u00ed vych\u00e1dza z vn\u00fatro\u0161t\u00e1tnej \u00fapravy. Na Slovensku plat\u00ed:<\/p><div dir=\"ltr\"><table><thead><tr><th scope=\"col\">Subjekt a poru\u0161enie<\/th><th scope=\"col\">Sankcia<\/th><\/tr><\/thead><tbody><tr><td>Fyzick\u00e1 osoba \u2013 nepodnikate\u013e (nad 15 000 \u20ac)<\/td><td>pokuta za priestupok do <strong>10 000 \u20ac<\/strong><\/td><\/tr><tr><td>Podnikate\u013e (nad 5 000 \u20ac)<\/td><td>pokuta za spr\u00e1vny delikt do <strong>150 000 \u20ac<\/strong><\/td><\/tr><\/tbody><\/table><\/div><p dir=\"ltr\"><em>Zdroj: Vlastn\u00e9 spracovanie<\/em><\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29365c7 elementor-widget elementor-widget-jkit_heading\" data-id=\"29365c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-heading  align-left align-tablet- align-mobile- jeg_module__16_6ab239b902f4a\" ><div class=\"heading-section-title  display-inline-block\"><h2 class=\"heading-title\">Limit sa m\u00f4\u017ee v bud\u00facnosti meni\u0165<\/h2><\/div><div class=\"heading-section-description\"><p>Hranica 10 000 eur nemus\u00ed by\u0165 kone\u010dn\u00e1. Eur\u00f3pska komisia m\u00e1 pos\u00fadi\u0165 potrebu a primeranos\u0165 jej \u00fapravy, pri\u010dom spr\u00e1vu s t\u00fdmto pos\u00faden\u00edm m\u00e1 predlo\u017ei\u0165 Eur\u00f3pskemu parlamentu a Rade <strong>do 10. j\u00fala 2030<\/strong>.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3694a5b e-flex e-con-boxed e-con e-parent\" data-id=\"3694a5b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55342d6 elementor-widget elementor-widget-shortcode\" data-id=\"55342d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><script id=\"mcjs\">!function(c,h,i,m,p){m=c.createElement(h),p=c.getElementsByTagName(h)[0],m.async=1,m.src=i,p.parentNode.insertBefore(m,p)}(document,\"script\",\"https:\/\/chimpstatic.com\/mcjs-connected\/js\/users\/ca41a6c1e0805c4d799bec8ae\/fabc377635da2f79608f6b656.js\");<\/script><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u00da\u010dtovn\u00edctvo a dane Limit hotovostn\u00fdch platieb v E\u00da od 10.7.2027 Autor Dobryuctovnik Publikovan\u00e9 7. September 2026 Zdie\u013eajte \u010dl\u00e1nok Eur\u00f3pska \u00fania zav\u00e1dza jednotn\u00fd limit pre hotovostn\u00e9 platby. Od 10. j\u00fala 2027 nebude mo\u017en\u00e9 pri obchodn\u00fdch transakci\u00e1ch prija\u0165 ani uskuto\u010dni\u0165 hotovostn\u00fa platbu nad 10 000 eur. Pre slovensk\u00fdch podnikate\u013eov sa pri obchodovan\u00ed na \u00fazem\u00ed Slovenska ni\u010d nemen\u00ed [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3458,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-3432","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uctovnictvo-a-dane"],"_links":{"self":[{"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/posts\/3432","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/comments?post=3432"}],"version-history":[{"count":5,"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/posts\/3432\/revisions"}],"predecessor-version":[{"id":3439,"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/posts\/3432\/revisions\/3439"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/media\/3458"}],"wp:attachment":[{"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/media?parent=3432"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/categories?post=3432"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dobry-uctovnik.sk\/en\/wp-json\/wp\/v2\/tags?post=3432"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}